stockrowCredit Acceptance Corporation
CACC Financial Credit Services
Credit Acceptance Corporation’s revenue for fiscal 2025 (year ended December 2025) was $2.3 billion, up 7.16% from fiscal 2024.
- Revenue
- +2.09%
- EPS
- −156.4%
- Free cash flow
- +11.8%
- Total debt
- +5.57%
Quarter to September 2026, against a year earlier
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Credit Acceptance Corporation (CACC) Free cash flow
Credit Acceptance Corporation's free cash flow for fiscal 2025 was $1.1B, down 7.57% from $1.1B in fiscal 2024. Over the twelve months to 30 September 2026 it was $1.3B. Over the past ten years it has ranged from $400.2M (fiscal 2015) to $1.2B (fiscal 2022); the current reading is higher than 64% of that period. Free cash flow has fallen for 3 consecutive fiscal years. Credit Acceptance Corporation ranks 12th of 52 Credit Services companies by free cash flow.
Free cash flow, annual
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Annual newest first
| Period | Free cash flow | Change |
|---|---|---|
| FY2025 | $1.1B | (7.57%) |
| FY2024 | $1.1B | (5.04%) |
| FY2023 | $1.2B | (2.90%) |
| FY2022 | $1.2B | 16.37% |
| FY2021 | $1.1B | 8.71% |
| FY2020 | $976.7M | 24.34% |
| FY2019 | $785.5M | 15.72% |
| FY2018 | $678.8M | 21.74% |
| FY2017 | $557.6M | 11.14% |
| FY2016 | $501.7M | 25.36% |
Quarterly newest first
| Period | Free cash flow | Change |
|---|---|---|
| Sep 2026 | $334.1M | 8.51% |
| Jun 2026 | $307.9M | (10.88%) |
| Mar 2026 | $345.5M | 28.49% |
| Dec 2025 | $268.9M | (10.01%) |
| 43 more quarters | Free account |
Against its own ten years
Free cash flow against peers
| Company | Free cash flow |
|---|---|
| OMF OneMain Holdings, Inc. compare | $3.2B |
| BFH Bread Financial Holdings, Inc. compare | $2.2B |
| ENVA Enova International, Inc. compare | $2.0B |
| CACC Credit Acceptance Corporation | $1.3B |
| FCFS FirstCash Holdings, Inc. compare | $518.2M |
| NNI Nelnet, Inc. compare | $478.8M |
| SEZL Sezzle Inc. compare | −$3.9M |
| SLM SLM Corporation compare | −$381.6M |
| KLAR Klarna Group plc compare | −$3.8B |
What Free cash flow is
Free Cash Flow tells an investor how much cash a company’s operations generate after paying for its investment in physical and intangible assets.
Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)
More on CACC
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement